Health Savings Account

The Saver (HSA) Plan medical option includes participation in a Health Savings Account (HSA). This plan allows you to pay lower premiums in exchange for a higher deductible.

While this higher deductible may seem intimidating, the HSA allows you to save pre-tax dollars to help pay for any medical expenses that may occur.

Each year, the IRS sets an annual limit for how much you can contribute, which includes both employer and employee contributions. The RMR Group’s annual contribution for each coverage tier and the annual maximum you can contribute are outlined in the benefits guide.

When you enroll in the Saver (HSA) plan, you are eligible to be enrolled in a Health Savings Account. See eligibility limitations and account details noted below:

  • Your funds are available as soon as they are deposited.
  • You have two options for using the money in your HSA:
    • Pay for out-of-pocket expenses immediately if you receive medical care; or
    • Leave the money in your account, which can be invested, grow tax-free and will carry over from year-to-year to help pay for future medical expenses or premiums for supplemental medical coverage, even as far down the road as retirement.
  • You must be enrolled in the Saver (HSA) Plan to be eligible for a Health Savings Account.
  • You cannot contribute to an HSA if:
    • You are enrolled in another medical plan, including Medicare or TRICARE,
    • You are claimed as a dependent on someone else’s tax return; or
    • You participate in a Health Care Flexible Spending Account.

Learn More

To learn more, view the RMR benefits guide.

5/1/24 – 4/30/25 Benefits Guide

Plan Information

Health Equity
866-346-5800
healthequity.com/me

Start date – End date:
05/01/2024 – 04/30/2025

Learn More

Learn more about your benefits through these resources.

View 5/1/24 – 4/30/25 Benefits Presentation
View 5/1/24 – 4/30/25 Benefits Guide
View 2024 – 2025 Hawaii Benefits Guide